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Before You Buy a Home You Need Credit Approval

Because many homes on the market are bank owned or need bank approval (short sales), it is required to submit a complete loan approval along with the purchase agreement. (Some listing agents even require the pre approval prior to showing the property!) So it is wise to know what is on your credit report in advance.

Federal laws now mandate that every consumer is entitled to a free credit report once every 12 months from each of the nationwide credit reporting bureaus: Experian, TransUnion and Equifax. Eligibility for the credit report is determined by state of residence on a rollout schedule set by federal law. To get your credit report go to: https://www.annualcreditreport.com/

A credit file disclosure provides you with all of the information in your credit file maintained by a consumer reporting company that could be provided by the consumer reporting company in a consumer report about you to a third party, such as a lender. A credit file disclosure also includes a record of everyone who has received a consumer report about you from the consumer reporting company within a certain period of time ("inquiries").

The free credit report will NOT supply you with your current credit scores (called a FICO score), but you can purchase a full report from a local Las Vegas mortgage lender.

To get a recommendation to a local mortgage lender, please fill in the contact form below or call us at 702-985-7654.